We're a Direct Lender

We Provide Multiple Options

We have a lot of different financing options available to our clients. Regardless of your situation, we’ll have a solution for you.

Fast Approval

Our application process is completely online. You can get funds in your bank account in literally 24 hours.

The Working Capital You Need In 24 Hours.

We get you funding. It's that simple. Regardless of credit, income, or time in business - we'll fund you.

Apply

Use our online form or call toll-free anytime to get started. There's no cost, and the application takes only three minutes.

Approval

Receive application approval in as little as 24 hours. There is no credit check required.

Receive Funds

Review and return your signed agreement and get your money in as little as 24 hours.

Recent Funded Business

100KTerm Loan

Ambulance Service

Our client bought a new ambulance.

2019 - June

55KAdvance

Truck Funded

Our client used the funds to hire new team members.

2019 - February

85KTerm Loan

Restaurant Funded

Our client used the funds for restaurant equipment.

2019 - May

Our Business Is Solving YOUR Challenges

Delancey Street takes pride in the fact we have a solution for virtually every financial situation. Most lenders are “one trick ponies.” We are the first lender to be able to handle virtually any scenario you throw at us. Got real estate and want to use it as collateral to get a small business loan? WE CAN DO IT. It doesn’t matter how “out of the box” your situation is, WE CAN DO IT.

Business Loans

Houston Merchant Cash Advance

Houston Merchant Cash Advances

Running a business is not always easy. Sometimes, you need cash quickly. If you need to cover a slow month, then a merchant cash advance might be the right choice for you. With this funding option, you get the cash you need within 24 to 48 hours. The entire process can be completed online, and the advance is paid back through your sales.

How a Merchant Cash Advance Works
A merchant cash advance is essentially an advance on your future sales. You will generally repay 5 to 20 percent of your credit card sales to the lender. When you apply for the advance, you show your track record of sales for the last few months. Once the lender has this information, they will give you 50 to 250 percent of your monthly credit card transactions.
Your application can get approved in just a few hours. Once the application is processed, you get the cash in just 24 to 48 hours. Afterward, the lender gives you 90 days to 24 months to repay the money.

The Advantages of a Merchant Cash Advance
When you need cash quickly, a merchant cash advance is a good option. Unlike a normal business loan, you do not have to go into your bank or put up collateral. The advance is based entirely on your credit card sales. This means that you do not have to worry about having bad credit. As long as your business has a strong history of sales, you can qualify for this type of advance.
The entire application process is simple and easy. You can get approved in just a few hours. Within two days, the advance arrives in your bank account. This funding option is also ideal if you want a flexible repayment plan and higher limits. In a traditional loan, you pay a fixed amount every month. With a merchant cash advance, you only pay a percentage of your sales. If you have a busy month, then the advance is paid back quickly. When you have a slow month, you do not have to worry about paying a fixed amount. Plus, these advances are available for $2,500 to $2 million.

Should I Get a Merchant Cash Advance?
The right funding option depends on your business. If you have a new company or low credit card sales, a merchant cash advance might not be the right option for you. If you have a strong history of credit card sales, then this funding option might work.
This option also works well if you need cash quickly and do not want to put up collateral. The advance is based entirely off of your sales history, so you do not have to put up your personal or business assets as collateral.
Before you get a merchant cash advance, make sure to look at the factor rate to see how much money you will actually be paying back. The holdback amount is the percentage of sales that you will pay back. This number is also important to consider because you need to make sure that your business can afford to pay back that percentage of sales. With a bit of research, you can figure out if this funding option is right for you.

You can also apply for the advance first and then see what the numbers look like. Since the entire application process and approval take just a few hours, it is a fast, easy way for companies to see what type of terms they qualify for. Before long, you can have the cash you want on the schedule you need.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.